Commercial Banking
Portfolio - BBK can help with non- performing loans or potential credits that show signs of early distress.
The Portfolio is the traditional BBK service offering - The Loan Portfolio. We can serve as your customers’ financial advisor. BBK has an unparalleled suite of proactive tools that help manage risk.
These include:
- TheBBK360
- BBK Ratings
- Desktop Review
- Full Assessment
- Intervention
- Restructuring
We also bring an expert focus on short- term cash flow from internal sources, which can easily be overlooked by company management. This builds short-term operating momentum while a long-term plan is developed. We are not liquidators - we solve problems, and build opportunities.
Policy - BBK conducts new credit reviews, and becomes part of the lending process. Beyond Ratio Analysis, we offer industry perspectives, management evaluation, technology review and operations assessment.
Policy refers to the criteria used for new credits. We believe this goes beyond financial ratios and a scorecard in the file for the credit committee. Loan policy needs to include on-site visits by knowledgeable, experienced operations executives. Management in all functional areas needs assessment. Forecasts and projections should be “scrubbed” to identify cost and profit drivers. Given the workload and experience of most loan officers, this is far better outsourced, with your employees as part of the assessment team. We can also assist you in your Due Diligence review.
Process - we are a leader in deploying and training in Value Stream Mapping (VSM) process. VSM identifies bottlenecks and process deficiencies in any aspect of the bank infrastructure, including check processing, securities transactions, human resources, loss control and retail metrics.
Process is the “Back Room” of all commercial banking enterprises. Our countless years of experience in process, continuous improvement and Lean methods can be invaluable. VSM, and quality metrics are too often foreign concepts to commercial banking processes. Bottlenecks need to be identified, costs need to be analyzed and quality of work needs to be standardized. We can reduce losses by helping you apply these principles.